Excel in Retirement
193 episodes - English - Latest episode: 6 days ago -Where financial planning becomes understandable. David brings interesting stories each week to listeners of his Excel in Retirement show along with actionable ideas that may help listeners avoid pitfalls that many people face in their retirement. David C. Treece began his career in the financial services industry in 2011. He is an independent financial adviser. He has passed the Series 65 securities exam, and he is health and life insurance licensed in several states. David’s financial advisory firm focuses on retirement income planning.David worked for two other financial advisors before founding his firm in 2018. David launched Clients Excel because he has a desire for his clients to have a second to none experience when it comes to their financial planning for retirement. David relentlessly strives to be the best at helping people prepare for retirement.The bedrock of David’s ethos is treating others as he would want to be treated.David works tirelessly to continually bring pertinent content to our clients and friends through our weekly newsletter and podcast. Through these, David brings informative content that may aid you in preparing for retirement. Through his financial planning work, David’s hope is that his clients are empowered to have a confident financial future.David and his wife, Mallory, have a daughter named Amelia and rescue dog named Oscar. They also have a backyard flock of chickens that Amelia loves to tend. David and his family are active in their church in Spartanburg. He is also a volunteer mentor with JumpStart, which is a ministry for people who have been recently released from prison.
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Episodes
Why Use a Fixed Indexed Annuity Instead of a Bond Allocation Show 15
September 02, 2020 09:00 - 19 minutes - 13.7 MBYou've probably heard about the 60/40 rule in financial planning. Sixty percent of your portfolio is allocated to equities and 40% to bonds. But it's no secret that bonds are not paying too well. In this show David shares how using a Fixed Indexed Annuity instead of bonds may pay off. Also, he explains what an Independent Financial Adviser is and how they operate. This is a super informative show that we believe you'll get a lot of good content out of. Let us know what you think! Investmen...
What's REALLY Going on in the Financial Markets
August 26, 2020 09:00 - 28 minutes - 19.9 MBDavid talks about financial indicators and what they are telling us. As a financial adviser he is a student of the markets and he studies and observes what’s going on. He does this so our clients don’t have to. We build portfolios that are all weather financial plans. Last year we were warning our clients about a possible recession. Even if you are evergreen optimist, you had to see that markets can’t continue up in perpetuity. David shares some signs we warned our clients about last year. ...
What's REALLY Going on in the Financial Markets
August 26, 2020 09:00 - 28 minutes - 19.9 MBDavid talks about financial indicators and what they are telling us. As a financial adviser he is a student of the markets and he studies and observes what’s going on. He does this so our clients don’t have to. We build portfolios that are all weather financial plans. Last year we were warning our clients about a possible recession. Even if you are evergreen optimist, you had to see that markets can’t continue up in perpetuity. David shares some signs we warned our clients about last year. ...
Imagine a Day When You Don't Have to Worry About Money
August 19, 2020 09:00 - 29 minutes - 20.4 MBWe wrapped up our three-part serious on how to de-risk your financial plan. We end this week by discussing how much deducting $155,000 can cost in taxes. It’s important to have tax diversification in your accounts. If all of your retirement savings is in a 401k or IRA you may be vulnerable in a rising tax rate environment. Simply put, we want to help you keep as much of your money in your pocket as possible. When you have a solid financial plan in place it tends to generate peace of mind. ...
Imagine a Day When You Don't Have to Worry About Money
August 19, 2020 09:00 - 29 minutes - 20.4 MBWe wrapped up our three-part serious on how to de-risk your financial plan. We end this week by discussing how much deducting $155,000 can cost in taxes. It’s important to have tax diversification in your accounts. If all of your retirement savings is in a 401k or IRA you may be vulnerable in a rising tax rate environment. Simply put, we want to help you keep as much of your money in your pocket as possible. When you have a solid financial plan in place it tends to generate peace of mind. ...
10 Years Before or After Retirement is the Retirement Danger Zone! Look out!
August 12, 2020 09:00 - 22 minutes - 15.4 MBThe "Retirement Danger Zone!" David goes over what this is and how it's important to begin altering the way you invest as your approach retirement. This is Part 2 of our How to De-Risk Your Retirement Plan If there is one word we are hearing a lot in the news lately, it is “volatile.” We live in some pretty volatile times. Whether we’re talking about world affairs, domestic politics, the election this year, COVID 19, or people’s reactions to social media posts, we’re in the middle of so...
A Volatile Stock Market Can Cause Havoc On Your Retirement
August 12, 2020 09:00 - 22 minutes - 15.4 MBThe "Retirement Danger Zone!" David goes over what this is and how it's important to begin altering the way you invest as your approach retirement. This is Part 2 of our How to De-Risk Your Retirement Plan If there is one word we are hearing a lot in the news lately, it is “volatile.” We live in some pretty volatile times. Whether we’re talking about world affairs, domestic politics, the election this year, COVID 19, or people’s reactions to social media posts, we’re in the middle of so...
The Retirement Danger Zone & Sequence of Returns
August 12, 2020 09:00 - 22 minutes - 15.4 MBThe "Retirement Danger Zone!" David goes over what this is and how it's important to begin altering the way you invest as your approach retirement. This is Part 2 of our How to De-Risk Your Retirement Plan If there is one word we are hearing a lot in the news lately, it is “volatile.” We live in some pretty volatile times. Whether we’re talking about world affairs, domestic politics, the election this year, COVID 19, or people’s reactions to social media posts, we’re in the middle of so...
10 Years Before or After Retirement is the Retirement Danger Zone! Look out!
August 12, 2020 09:00 - 22 minutes - 15.4 MBThe "Retirement Danger Zone!" David goes over what this is and how it's important to begin altering the way you invest as your approach retirement. This is Part 2 of our How to De-Risk Your Retirement Plan If there is one word we are hearing a lot in the news lately, it is “volatile.” We live in some pretty volatile times. Whether we’re talking about world affairs, domestic politics, the election this year, COVID 19, or people’s reactions to social media posts, we’re in the middle of so...
How to De-Risk Your Retirement Plan - Part 1
August 05, 2020 09:00 - 21 minutes - 14.9 MBDavid Treece starts a three-part series on how to De-Risk Your Retirement Plan. In this episode he goes over the danger of not having enough income in retirement and possible solutions to mitigate this risk. Once we retire, the paychecks often stop, but our bills don’t stop. Having a Written Retirement Income Plan in place is critical to successfully navigating your retirement. David shares how to get started on your income plan in this episode. 4% Rule Article Investment advisory service...
How to De-Risk Your Retirement Plan
August 05, 2020 09:00 - 21 minutes - 14.9 MBDavid Treece starts a three-part series on how to De-Risk Your Retirement Plan. In this episode he goes over the danger of not having enough income in retirement and possible solutions to mitigate this risk. Once we retire, the paychecks often stop, but our bills don’t stop. Having a Written Retirement Income Plan in place is critical to successfully navigating your retirement. David shares how to get started on your income plan in this episode. 4% Rule Article Investment advisory service...
Medicare Basics and How to Shield Your Retirement Plans from Uncertainty
July 29, 2020 09:00 - 24 minutes - 16.8 MBThis week David goes over current events and explains how to shield your finances from economic disruptions in the stock market like Covid-19. There are tons of pitfalls in retirement planning. You need a trained eye to help you avoid the pitfalls. David, who has worked in the financial services space for nearly a decade, shares some key tips that could help you successfully navigate retirement. Also, he shares the basics of Medicare and how it works. David simplifies this important spoke o...
Medicare Basics and How to Shield Your Retirement Plans from Uncertainty
July 29, 2020 09:00 - 24 minutes - 16.8 MBThis week David goes over current events and explains how to shield your finances from economic disruptions in the stock market like Covid-19. There are tons of pitfalls in retirement planning. You need a trained eye to help you avoid the pitfalls. David, who has worked in the financial services space for nearly a decade, shares some key tips that could help you successfully navigate retirement. Also, he shares the basics of Medicare and how it works. David simplifies this important spoke o...
Three Conflicts in Your IRA
July 22, 2020 09:00 - 22 minutes - 15.6 MBDavid Treece introduces you to a new voice. His name is Martin Ruby, and he wrote the book the The No-Compromise Retirement Plan. Ruby is an actuary so his perspective is different than what we normally hear. Ruby states, “Your IRA is full of risks. In fact, saving for the future is one of the most significant financial risks most of us take in our lifetime.” You may understand why listening to what an actuary has to say about retirement planning may be really beneficial. David outlin...
Three Conflicts in Your IRA
July 22, 2020 09:00 - 22 minutes - 15.6 MBDavid Treece introduces you to a new voice. His name is Martin Ruby, and he wrote the book the The No-Compromise Retirement Plan. Ruby is an actuary so his perspective is different than what we normally hear. Ruby states, “Your IRA is full of risks. In fact, saving for the future is one of the most significant financial risks most of us take in our lifetime.” You may understand why listening to what an actuary has to say about retirement planning may be really beneficial. David outlin...
Provisional Income and its impact on Social Security
July 15, 2020 09:00 - 20 minutes - 14 MBIt’s possible for your Social Security to be tax free! We all want to keep as much money as possible in our pockets, especially when it comes to retirement planning. One way we can keep our money in our pockets is to know what provisional income is and how it causes your Social Security to be taxed. On our podcast this week, David outlines how to eliminate taxes on your Social Security. It's not possible for everyone, but it may be for you. Also, he review how to reduce your taxes in ret...
Provisional Income and its impact on Social Security
July 15, 2020 09:00 - 20 minutes - 14 MBIt’s possible for your Social Security to be tax free! We all want to keep as much money as possible in our pockets, especially when it comes to retirement planning. One way we can keep our money in our pockets is to know what provisional income is and how it causes your Social Security to be taxed. On our podcast this week, David outlines how to eliminate taxes on your Social Security. It's not possible for everyone, but it may be for you. Also, he review how to reduce your taxes in ret...
Another Tax-free Stream of Income in Retirement
July 08, 2020 09:00 - 19 minutes - 13.1 MBYou’ve fully funded your Roth IRAs. What’s next? Is there another way to generate tax-free income in retirement? Yes, there is! On the podcast this week, I explain another financial vehicle that will allow tax-free income. The Covid 19 pandemic is causing America to spend like never before to save the economy. You can take steps to protect yourself from the rising tax rate environment we are entering. How will the government pay for its HUGE bills? Higher taxes! Plus, America is over $26 ...
Another Tax-free Stream of Income in Retirement
July 08, 2020 09:00 - 19 minutes - 13.1 MBYou’ve fully funded your Roth IRAs. What’s next? Is there another way to generate tax-free income in retirement? Yes, there is! On the podcast this week, I explain another financial vehicle that will allow tax-free income. The Covid 19 pandemic is causing America to spend like never before to save the economy. You can take steps to protect yourself from the rising tax rate environment we are entering. How will the government pay for its HUGE bills? Higher taxes! Plus, America is over $26 ...
6. Should you convert to a Roth IRA?
July 01, 2020 09:00 - 23 minutes - 15.8 MBI'm excited about the podcast this week! I discuss converting your 401k or IRA to a Roth IRA. To begin the show, I share a quick story about racing bicycles. In one race I crashed. I had to be transported to the hospital on a backboard. Listen in to hear how it happened. I relate the crash to things to look out for in retirement planning. Think about financial planning like a wheel on a bicycle. You have spokes on your retirement planning wheel. The spokes are healthcare, estate planning, ...
6 Should you convert to a Roth IRA?
July 01, 2020 09:00 - 23 minutes - 15.8 MBI'm excited about the podcast this week! I discuss converting your 401k or IRA to a Roth IRA. To begin the show, I share a quick story about racing bicycles. In one race I crashed. I had to be transported to the hospital on a backboard. Listen in to hear how it happened. I relate the crash to things to look out for in retirement planning. Think about financial planning like a wheel on a bicycle. You have spokes on your retirement planning wheel. The spokes are healthcare, estate planning, ...
Should you convert to a Roth IRA?
July 01, 2020 09:00 - 23 minutes - 15.8 MBI'm excited about the podcast this week! I discuss converting your 401k or IRA to a Roth IRA. To begin the show, I share a quick story about racing bicycles. In one race I crashed. I had to be transported to the hospital on a backboard. Listen in to hear how it happened. I relate the crash to things to look out for in retirement planning. Think about financial planning like a wheel on a bicycle. You have spokes on your retirement planning wheel. The spokes are healthcare, estate planning, ...
5. How A Fixed Indexed Annuity May Help With Sequence Of Returns Risk
June 24, 2020 09:00 - 22 minutes - 15.5 MBOn the podcast this week, David begin by sharing a story about how his family adopted their dog, Oscar. It's a fun story! . The show topic is Sequence of Returns Risk and the impact it can have on your retirement. He shares strategy we use at our firm to help combat sequence of returns risk. The strategy involved is called a Fixed Indexed Annuity, and he share how it works. He compares it to investing in the stock market and go back in time to show a fixed indexed annuity it would have ...
How A Fixed Indexed Annuity May Help With Sequence Of Returns Risk
June 24, 2020 09:00 - 22 minutes - 15.5 MBOn the podcast this week, David begin by sharing a story about how his family adopted their dog, Oscar. It's a fun story! . The show topic is Sequence of Returns Risk and the impact it can have on your retirement. He shares strategy we use at our firm to help combat sequence of returns risk. The strategy involved is called a Fixed Indexed Annuity, and he share how it works. He compares it to investing in the stock market and go back in time to show a fixed indexed annuity it would have ...
How A Fixed Indexed Annuity May Help With Sequence Of Returns Risk
June 24, 2020 09:00 - 22 minutes - 15.5 MBOn the podcast this week, David begin by sharing a story about how his family adopted their dog, Oscar. It's a fun story! . The show topic is Sequence of Returns Risk and the impact it can have on your retirement. He shares strategy we use at our firm to help combat sequence of returns risk. The strategy involved is called a Fixed Indexed Annuity, and he share how it works. He compares it to investing in the stock market and go back in time to show a fixed indexed annuity it would have ...
5 How A Fixed Indexed Annuity May Help With Sequence Of Returns Risk
June 24, 2020 09:00 - 22 minutes - 15.5 MBOn the podcast this week, David begin by sharing a story about how his family adopted their dog, Oscar. It's a fun story! . The show topic is Sequence of Returns Risk and the impact it can have on your retirement. He shares strategy we use at our firm to help combat sequence of returns risk. The strategy involved is called a Fixed Indexed Annuity, and he share how it works. He compares it to investing in the stock market and go back in time to show a fixed indexed annuity it would have ...
Maximize the efficiency of your retirement savings
June 17, 2020 08:00 - 19 minutes - 13.1 MBIn this week’s show David poses the question, “Can you have a well thought financial plan withOUT consideration for America’s Economic Situation being factored into your plan? It may not come as news to you, but the landscape of retirement planning is changing. We all know the only thing certain is that nothing stays the same. For this reason, we have decided at our firm that we should inform our clients of about issues that could potentially impact them in regard to their retirement planni...
4 Maximize the efficiency of your retirement savings
June 17, 2020 08:00 - 19 minutes - 13.1 MBIn this week’s show David poses the question, “Can you have a well thought financial plan withOUT consideration for America’s Economic Situation being factored into your plan? It may not come as news to you, but the landscape of retirement planning is changing. We all know the only thing certain is that nothing stays the same. For this reason, we have decided at our firm that we should inform our clients of about issues that could potentially impact them in regard to their retirement planni...
4. Maximize the efficiency of your retirement savings
June 17, 2020 08:00 - 19 minutes - 13.1 MBIn this week’s show David poses the question, “Can you have a well thought financial plan withOUT consideration for America’s Economic Situation being factored into your plan? It may not come as news to you, but the landscape of retirement planning is changing. We all know the only thing certain is that nothing stays the same. For this reason, we have decided at our firm that we should inform our clients of about issues that could potentially impact them in regard to their retirement planni...
Maximize the efficiency of your retirement savings
June 17, 2020 08:00 - 19 minutes - 13.1 MBIn this week’s show David poses the question, “Can you have a well thought financial plan withOUT consideration for America’s Economic Situation being factored into your plan? It may not come as news to you, but the landscape of retirement planning is changing. We all know the only thing certain is that nothing stays the same. For this reason, we have decided at our firm that we should inform our clients of about issues that could potentially impact them in regard to their retirement planni...
Big Changes to Tax-Deferred Accounts & What Is Our Retirement Income Planning Process
June 10, 2020 09:00 - 16 minutes - 11.7 MBThanks for tuning in! In this show David goes over what he's reading. Next he goes over a new law called the SECURE Act. Most tax-deferred accounts have changed with the passage of this recent law. The biggest take away is the “stretch IRA” is no longer an option in most circumstances. This was a popular planning strategy & David explains what it is. Also he discusses estate planning. He explains what negative interest rates are and shares how this was mentioned in the financial news recentl...
3. Big Changes to Tax-Deferred Accounts & What Is Our Retirement Income Planning Process
June 10, 2020 09:00 - 16 minutes - 11.7 MBThanks for tuning in! In this show David goes over what he's reading. Next he goes over a new law called the SECURE Act. Most tax-deferred accounts have changed with the passage of this recent law. The biggest take away is the “stretch IRA” is no longer an option in most circumstances. This was a popular planning strategy & David explains what it is. Also he discusses estate planning. He explains what negative interest rates are and shares how this was mentioned in the financial news recentl...
3 Big Changes to Tax-Deferred Accounts & What Is Our Retirement Income Planning Process
June 10, 2020 09:00 - 16 minutes - 11.7 MBThanks for tuning in! In this show David goes over what he's reading. Next he goes over a new law called the SECURE Act. Most tax-deferred accounts have changed with the passage of this recent law. The biggest take away is the “stretch IRA” is no longer an option in most circumstances. This was a popular planning strategy & David explains what it is. Also he discusses estate planning. He explains what negative interest rates are and shares how this was mentioned in the financial news recentl...
Big Changes to Tax-Deferred Accounts & What Is Our Retirement Income Planning Process
June 10, 2020 09:00 - 16 minutes - 11.7 MBThanks for tuning in! In this show David goes over what he's reading. Next he goes over a new law called the SECURE Act. Most tax-deferred accounts have changed with the passage of this recent law. The biggest take away is the “stretch IRA” is no longer an option in most circumstances. This was a popular planning strategy & David explains what it is. Also he discusses estate planning. He explains what negative interest rates are and shares how this was mentioned in the financial news recentl...
Saving on Taxes in Retirement and an alternative LTC option
June 03, 2020 19:00 - 13 minutes - 9.45 MBIf you’re like many of our clients, you contributed to a 401k or some type of tax-deferred account when the highest marginal tax rate was higher than it is today. Few people actually pay the highest marginal tax rate of 37%, but we talk about it because it’s a bell-weather for what happens with the lower tax-brackets. When the highest rate goes up the lowest rate typically increases as well. Which means our effective tax rate will go up. So, you contributed to a tax-deferred account and go...
Saving on Taxes in Retirement and an alternative LTC option
June 03, 2020 19:00 - 13 minutes - 9.45 MBIf you’re like many of our clients, you contributed to a 401k or some type of tax-deferred account when the highest marginal tax rate was higher than it is today. Few people actually pay the highest marginal tax rate of 37%, but we talk about it because it’s a bell-weather for what happens with the lower tax-brackets. When the highest rate goes up the lowest rate typically increases as well. Which means our effective tax rate will go up. So, you contributed to a tax-deferred account and go...
2 Saving on Taxes in Retirement and an alternative LTC option
June 03, 2020 19:00 - 13 minutes - 9.45 MBIf you’re like many of our clients, you contributed to a 401k or some type of tax-deferred account when the highest marginal tax rate was higher than it is today. Few people actually pay the highest marginal tax rate of 37%, but we talk about it because it’s a bell-weather for what happens with the lower tax-brackets. When the highest rate goes up the lowest rate typically increases as well. Which means our effective tax rate will go up. So, you contributed to a tax-deferred account and go...
2. Saving on Taxes in Retirement and an alternative LTC option
June 03, 2020 19:00 - 13 minutes - 9.45 MBIf you’re like many of our clients, you contributed to a 401k or some type of tax-deferred account when the highest marginal tax rate was higher than it is today. Few people actually pay the highest marginal tax rate of 37%, but we talk about it because it’s a bell-weather for what happens with the lower tax-brackets. When the highest rate goes up the lowest rate typically increases as well. Which means our effective tax rate will go up. So, you contributed to a tax-deferred account and go...
Wondering about Social Security?
May 28, 2020 17:00 - 8 minutes - 6.1 MBWelcome to the first episode of the Excel in Retirement podcast show. I’m David Treece and I’ll be your host. Thank you for taking a few minutes to listen in. In today’s show we look at the ramifications of drawing Social Security early. Social Security is complex and everybody is a little different. I’ve actually heard that the Social Security rules or laws are more expansive than the IRS tax code if you can believe that… When 62 rolls around many people begin wondering if they should ...
Wondering about Social Security?
May 28, 2020 17:00 - 8 minutes - 6.1 MBWelcome to the first episode of the Excel in Retirement podcast show. I’m David Treece and I’ll be your host. Thank you for taking a few minutes to listen in. In today’s show we look at the ramifications of drawing Social Security early. Social Security is complex and everybody is a little different. I’ve actually heard that the Social Security rules or laws are more expansive than the IRS tax code if you can believe that… When 62 rolls around many people begin wondering if they should ...
1. Wondering about Social Security
May 28, 2020 17:00 - 8 minutes - 6.1 MBWelcome to the first episode of the Excel in Retirement podcast show. I’m David Treece and I’ll be your host. Thank you for taking a few minutes to listen in. In today’s show we look at the ramifications of drawing Social Security early. Social Security is complex and everybody is a little different. I’ve actually heard that the Social Security rules or laws are more expansive than the IRS tax code if you can believe that… When 62 rolls around many people begin wondering if they should ...
Wondering about Social Security
May 28, 2020 17:00 - 8 minutes - 6.1 MBWelcome to the first episode of the Excel in Retirement podcast show. I’m David Treece and I’ll be your host. Thank you for taking a few minutes to listen in. In today’s show we look at the ramifications of drawing Social Security early. Social Security is complex and everybody is a little different. I’ve actually heard that the Social Security rules or laws are more expansive than the IRS tax code if you can believe that… When 62 rolls around many people begin wondering if they should ...
1 Wondering about Social Security
May 28, 2020 17:00 - 8 minutes - 6.1 MBWelcome to the first episode of the Excel in Retirement podcast show. I’m David Treece and I’ll be your host. Thank you for taking a few minutes to listen in. In today’s show we look at the ramifications of drawing Social Security early. Social Security is complex and everybody is a little different. I’ve actually heard that the Social Security rules or laws are more expansive than the IRS tax code if you can believe that… When 62 rolls around many people begin wondering if they should ...